Auto Insurance-Home Insurance-Health Insurance-Life Insurance-Compare Price Quotes: 5 Ways to Lower Homeowner's Insurance Cost-Compare Rates Quotes

Cheap and Best Auto Insurance Quotes:-

Finding auto insurance quotes online is easy, but finding the cheapest auto insurance rates can be more of a challenge. To get the lowest quotes, follow these tips to help you find ways to trim possibly hundreds off your auto insurance quotes.

1. Give them details - If you don't provide information about your zip code, marital status, car's safety features, and annual commuting miles, by default insurance companies will quote you a higher auto insurance rate. Provide as much detail as possible to make sure you get each discount that you qualify for.

2. Shop around - Auto insurance rates can vary as much as 300% between companies for the same coverage. You can save hundreds of dollars a year by comparing prices between companies. Don't forget to check out your current insurance company, they may have lower rates for new customers that you may be able to negotiate for yourself.

3. Raise your deductible - Higher deductibles equal lower insurance premiums. For example, increasing your deductible from $250 to $500, can save you a hundred dollars or more on your annual premium. However, plan on having additional financial resources to cover the deductible in case of an accident.

4. Cut the miles you drive - For drivers who travel on average 40 miles or less a day, they qualify for a low mileage discount with most insurance companies. Consider carpooling or taking public transit a couple of days a week to reduce your car's mileage to qualify for the discount. By flying or taking a train for vacations instead of driving, you can further reduce the miles on your car.

5. Switch drivers - For married couples, compare insurance quotes between the male as the main driver and the female as the main driver. You may get a lower quote if the female is insured on a truck and the male is insured on the minivan. Teens should also be insured on safer cars such as the family sedan, rather than a sports car.

6. Add an anti-theft device - By installing car alarms or a tracking system in your car, you will get a discount from auto insurance companies. Since anti-theft devices reduce the risk of your car being stolen, insurance companies pass on the savings to you. A certified defensive-driving class can also reduce your premium for three years with most insurance companies.

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Monday, 16 June 2014

5 Ways to Lower Homeowner's Insurance Cost-Compare Rates Quotes

This is an Insurance that covers your private residence.What will happen if your home get damaged due to fire? or your friend gets bitten by you dog!! Then you have no choice but to pay to rebuild or reconstruct your home and compensate your friend.In these type of situation Homeowner's Insurance comes handy.damage due to natural disaster like stroms or earthquakes are also covered by these insurance.Pay your mortgage quickly and timely,because this on of the best way to save your cost of home insurance and will lead the insurance company to believe that you are the owner of the property. hare are few ways to lower your insurance amount :-

Value of your Belongings

Make an inventory list and the values of all your belongings,because this is very important to know the price of all your belongings.last thing you could want is to overrate or underrate of some items.Compare the rate with the amount of policy coverage.Inform insurance company about the actual value of the belongings and request them to reduce the premium amount accordingly.

Increase the rate of Deductibles

Deductibles are extra expenses you promptly pay for a loss even before the claim process starts by the insurance company.High amount of deductibles means low annual premium.Ask your company to give you a list of deductibles amount with their annual premiums.

Credit Score

According to the FCRA (Fair Credit Reporting Act) insurance companies can check you credit score without taking your permission as they have a "permissible purpose" to check your credit history.It becomes very important to look after your credit score very seriously and try to make it better 12 months before your planning to apply for Homeowner's Insurance at a lower cost.you can try to do this by paying your bills and debts before due that,spending less on your existing credit cards,or applying for new credit cards.

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For more info,read - http://www.buzzle.com/articles/7ways-to-lower-homeowners-insurance-cost.html
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